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COVERAGE / WORKERS' COMP / STATES / MINNESOTA
WORKERS' COMP · MINNESOTA

Workers' comp in Minnesota.

Minnesota requires workers' comp from the first employee. Minnesota's own rating bureau publishes its own manual; most numbers match NCCI's. You buy coverage from carriers.

REQUIRED
From the first employee
RATING BUREAU
MWCIA
CLASS CODES
Own manual, mostly NCCI numbers
BUY FROM
Carriers
WHO MUST CARRY IT

Required from the first employee.

The rule

Minnesota requires workers' comp from the first employee.

Source: Minnesota DLI, Work Comp: Who Needs Workers' Compensation Coverage?, checked October 5, 2026.

Coverage rules: Minnesota DLI, Work Comp: Who Needs Workers' Compensation Coverage?, checked October 5, 2026.

CLASS CODES HERE

Minnesota's own rating bureau publishes its own manual; most numbers match NCCI's.

Rating bureau

Minnesota has its own rating bureau, the Minnesota Workers' Compensation Insurers Association (MWCIA).

Minnesota Workers' Compensation Insurers Association (MWCIA)

Class system

Its own manual; most codes on our pages are in it under NCCI's numbers.

Manual: Minnesota Basic Manual, effective July 15, 2026

Codes on our pages

Most codes on our pages are in Minnesota's list; the exceptions are below.

All class codes, by industry

Numbered or scoped differently

  • 5610 Construction debris removal: Debris removal by a subcontractor in connection with construction is 9403; crews that clean to ready a site are 9014.
  • 5645 Residential carpentry: Minnesota lists 5645 for detached one- or two-family dwellings and 5651 for buildings designed mainly for several households.

In Minnesota's list

List: MWCIA, Minnesota Basic Manual, effective July 15, 2026, checked October 5, 2026.

ESTIMATE YOUR PREMIUM

Your payroll, your rate, before discounts and assessments.

Your rate comes from carriers that actively write the class.

Payroll in this class
Codes on our pages that are in Minnesota's list. An advisor confirms your class codes.
Gross pay for the work in this class. Pre-tax deductions (401(k), Section 125) count. Overtime premium (the extra half) usually does not. Check your state's rules.
For the cost per employee.
PAY FREQUENCY
Your rating
From your quote or policy. Where loss costs are filed instead of rates, as in Texas, they leave out the carrier's expenses and are lower than your rate.
Compares your payroll and claims with the average employer in the same class codes. At 1.00 premium is unchanged; below 1.00 it drops, above 1.00 it rises.
SCHEDULE RATING
0 if your quote shows none.
If your quote shows one.
ESTIMATED ANNUAL PREMIUM · THIS CLASS
Enter your rate
Before discounts and assessments.

Worklio Insurance bills pay-as-you-go comp with each payroll, no deposit; the audit usually confirms what you've already paid.

Not included: premium discount on larger policies, state assessments, terrorism and catastrophe charges, minimum premium.Get a real quote

COMMON QUESTIONS

Do I need workers' comp in Minnesota?
Yes. Minnesota requires workers' comp from the first employee.
Who sets class codes in Minnesota?
Minnesota's own rating bureau, the Minnesota Workers' Compensation Insurers Association (MWCIA). Its own manual; most codes on our pages are in it under NCCI's numbers. An advisor confirms your class codes.
Is Worklio Insurance licensed in Minnesota?
Worklio Insurance Services LLC's producer is licensed in Minnesota, and the agency license there has been applied for. See insurance licenses

SOURCES

Figures as of October 5, 2026.

For planning, not a quote or a classification ruling. An advisor confirms your class codes with your carrier.

MORE ON WORKERS' COMP

ALL STATESWorkers' comp by stateWho must carry it, who sets class codes and where to buy, in each state.ALL CLASS CODESEvery code, by industryOffice, sales and the codes for each industry we serve.COVERAGEWorkers' compPay-as-you-go premiums billed with each payrollWORKLIO HCMPayroll taxes in MinnesotaEmployer payroll tax rates, on Worklio HCM.

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